Metlife Homeowners Reviews

I have been with this company for over 20 years for my homeowners, and auto insurance without any problems on my end. My family and I have been very loyal customers and I have always paid our bills on time with them. The problem, and the reason for the one star review: they recently dropped me without notice on our homeowners insurance policy for something simple that took only a few days to fix on the house (tree branches hanging over the roof that needed cut back).

I spent nearly 2 hours on the phone with an agent, at the beginning I asked for a quote for car and home insurance. Well, the car insurance ended being too expensive, but the home insurance was affordable, the agent send me the quote proposal home to my email address. Since I was going to keep my old auto insurance I ask the agent to make the same quote, but this time not at my name, but at my mother's name, since we both owned the house. Then he said that Metlife declined to insure the house because they said that it is a sinkhole area.

Last August, 2019 we bought our house. MetLife came out and did their usual inspection. We never heard back from them. In April, 2020 they contacted our agent and said we needed to get rid of some bushes around the house, which was already done in September 2019. They also said the roof needed to be done. We had the roof already scheduled for July 2020. The day our roof was done, we got a letter that they were not renewing us in August 2020. They never even followed up with us to see that we got everything done. If they had renewed us, they would have set our home value at $660,000, which is more than double what the home is actually worth, so we would have paid a larger than needed premium. Worst company to deal with. Thankfully we found an insurer who has been great to work with and has valued our home only slightly higher than is has been appraised for.

Metlife cancelled after I refused to let the 3rd party inspector inside my home during the Covid-19 pandemic. What part of there is a worldwide pandemic, and a potentially deadly virus spreading does Metlife not get? The inspector showed up at my house unannounced and even after I told him not to get out of his car, he did, and proceeded to walk into my yard. He took full advantage of the fact that I was a woman, by myself. These are the kind of people that are hired by this third party inspection company, and, essentially, Metlife. Apparently all Metlife is concerned about is collecting their premiums, and not human lives. Do you really want to pay money to a company that has no concern for their clients' safety?

I had been a Met Life homeowners customer for over 20 years. Every year I had problems with billing-- they would agree to a 12 month payment plan, then switch it back to a nine month payment plan whereby they say they were going to cancel my insurance. I attempted to file two claims over the course of 20 years and was denied both times. When I had enough, I called them and asked them to insure me through January 22nd and I paid their quoted amount through January 22. I called to confirm cancellation on the 23rd, and then I received another bill for $28 for one more day. All our phone conversations were recorded, and I repeatedly stated I did not want to be insured after the twenty-second. It's all about them and their money--it's not about the customer. I do not recommend this company.

My girlfriend has had MetLife homeowners for 40 + years. A drunk drove into our house which has stone siding. So here we are living in Illinois in the winter with a hole in our house. They keep lying to us about how much it will cost to fix our home. At first we were told to get it fixed and they would pay. Well they have sent two checks which will cover almost half. I guess I need a lawyer and file a complaint with the commerce commission. 10 weeks is long enough to live like this.

After being with the same insurance agency for over 60 years, our home and auto insurance was changed to MetLife. After making a claim, it took the Donan Engineering Company 7 weeks to show up. The West side of my house was left open in the rainiest summer in centuries. The inside was destroyed including my grandmother's antique oak furniture. MetLife is insistent that the house had been leaky for an extended period of time. This is untrue. All attempts at collecting on our policy were denied. The Donan Co. has an apparently questionable reputation from private adjusters. Apparently, their people receive nice bonuses for rejecting claims. I find MetLife's use of such people below shameful behavior. My advice; steer clear of MetLife! As for my agency, I'm sure if father Rudy and son Jack were still alive, this selling out of their customers would never have happened.

My garage was demolished by a hit-and-run driver in June 2019. I was fully insured through Metlife Homeowner's insurance for replacement value of the garage, up to $40.000. To date, they sent an adjuster out to meet me but she texted me that she had to come early, while I was still at work, because she didn't want to get caught in an expected thunderstorm. She sent a quote that was so low that I could not find any contractor that didn't laugh at the quote. I sent her (certified mail, return receipt requested, two times) all of the bids/estimates that I received.

During a mortgage refinance we discovered that Metlife was drastically OVERCHARGE for insurance premiums. We have a $200K home, and we’re paying $4000/yr in premiums. New company offers higher coverage for $1500/yr. Premiums were paid through payroll deduction, so the gradual 5 year increase from $2000 to $3900 annual premium went unnoticed until our bank questioned the high rate. When I called to question it, the rep said he wasn’t sure, because we’ve had no claims since starting with them. Looking into legal action.

On 7/3 I was advised by my downstairs neighbor that there was a leak coming from my AC unit. I immediately called to get the leak repaired. I also called MetLife to open a claim. From start to finish, my adjusters have been as unhelpful as possible. I'm going to pay a couple thousand dollars out of pocket because they didn't provide sufficient information about the claim process and my lack of liability for the downstairs unit. They did not indicate that they had recommended vendors. The inspector didn't conduct a thorough inspection and indicated there was no damage when, in fact, the was mold damage in the AC air intake vent. In spite of the fact that there was mold damage, they didn't offer a hotel. I had to bully them into it. Now that the moldy drywall has been cut out, I have to beg to get it restored because the inspector said there was no damage. WORST EXPERIENCE EVER. DO NOT RECOMMEND.